Cheap Car Insurance in Houston, TX
Are you in need of cheap auto insurance in Houston, TX? At AutoInsuranceEZ.com, you will find the cheapest insurance premiums for your area. To find free car insurance rates offered by the very best providers today, key your local zipcode within the quote box in this posting.
Houston has experienced its share of ups and downs. Back during the 1970’s it was definitely up, with the majority of its economy heavily invested in a booming petrochemical industry. The following decade, however, was marred by recession, market fluctuations, and economic stagnation. Since then, the city has diversified its economy into high-technology and alternative energies, setting the city up for an impressive comeback.
- Fun fact: whoa, Nelly! Houston ranks #4 on the popular list of “Top 100 biggest cities”. Read up on Houston by visiting here.
Auto Insurance Coverage Requirements in Texas
Driving legally in Houston requires:
|Bodily Injury Liability||30,000/60,000||30,000/60,000|
|Property Damage Liability||25,000||25,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||2,500|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
For more realistic expectations of what you should be carrying, take a closer look at the column on the far right. Rarely will the state minimums for insurance (center column) be sufficient enough coverage to protect you from out-of-pocket insurance expenses.
Unfortunately, Texas car insurance can get expensive – for example, the average monthly premium Texas motorists pay is around $135. But Houston drivers can get a modest discount and find good deals in their area for $103/mo* or less. The trick is to know where to find them, and we’re about to show you how.
Houston drivers who are desperate for a low rate might want to look into either Texas Farm Bureau, or State Farm. These two companies are pricing their policies competitively low compared to other insurance providers in the Houston area. Just make sure you thoroughly vet them before you decide to take your business elsewhere.
Those that supply auto insurance plans contemplate various factors when calculating quotes, like gender, where you live, your credit history, the driving distance to your office, and current insurance coverage and limits. Also remember that premiums will differ amongst carriers. In order to find out if that you’re still getting the lowest possible fee, look at cheap Houston auto insurance prices on the web.
Major Car Insurance Factors in Houston
Any time your car insurance provider sits down to craft your plan, they take quite a few parameters under consideration. Several of these, for instance your real age or perhaps your specific region, usually are not possible to alter. Some additional elements are:
Your Zip Code
One of the biggest influences on a driver’s car insurance costs is determined by the location where your car gets parked at night. Usually, auto insurance is less expensive in non-urban locations mainly because a lesser number of automobiles mean a smaller likelihood that you’re going to get in a serious collision with some other car. The total population of Houston is 2,195,914 and the average family income is $45,353.
Houston has some unfortunately large numbers when it comes to deadly accidents, especially with regard to drunk driving. On top of this bad news, you should be aware of the fact that insurance providers in the Houston area will raise their rates when statistics like this show how dangerous it is to be a motorist in Houston.
Auto Thefts in Houston
Just about all insurance providers are worried about auto theft; this is especially true for motorists who reside in big urban centers. The higher the populace, the greater the probability that you will have to file an automobile robbery claim. Back in 2013, the quantity of stolen cars in Houston has decreased to 13,595. This means that auto thefts in Houston are on the rise, with no sign of stopping any time soon. Make sure you protect yourself from theft by adding Comprehensive coverage to your policy.
Your Credit Score
The financial penalties for having poor credit while driving in Texas are fairly severe. Some providers, like Mercury, will charge more for poor credit but not so much that it necessarily breaks the bank. Insurance agencies such as Encompass, however, may triple your rate or more – just based on your credit score alone.
If you are a young driver, getting good grades and taking a driver’s education course (or several) is essential. Achieving such goals will put you in a position to take advantage of some much-needed discounts, since young drivers pay some of the highest rates in the country.
Your Driving Record
According to your insurance company, your driving record is a fairly accurate predictor of whether or not you will be filing a claim with them in the near future. This is why your rates are likely to rise with a speeding ticket or any sort of accident. However, there are providers which offer “Accident Forgiveness” discounts if you are otherwise a safe driver.
Want to buy an expensive, fancy car? Then you’re going to need an expensive, fancy insurance policy in order to protect your vehicle. Purchasing the right types of coverage, and in high enough amounts, is essential for luxury or otherwise expensive vehicles.
Minor Car Insurance Factors in Houston
The factors below, while usually not having much of an influence, can still alter how much your premiums will cost each month:
Your Marital Status
Many married couples across the country are bundling their auto policies together under the same insurance provider in order to get access to some very nice discounts. If you and your spouse aren’t doing so already, then what are you waiting for?
The insurance industry is all over the place when it comes to charging premiums based on gender. Some companies will charge women higher rates, while others will give that financial burden to men. But most don’t even calculate your rate with gender in mind anymore.
Your Driving Distance to Work
Living and working in Houston can be a bit of a drag if you have to commute. The average amount of time it takes to get to work can last as little as 17 or as long as 41 minutes! Additionally, most residents (72%) will be travelling alone within their own truck or car, while somewhere between 4% and 28% will carpool.
The more often you drive, the more likely you are to get into an accident. That’s why insurance companies ask questions about how many miles you drive each year, and why you’re driving in the first place. But if you drive a lot, don’t worry too much; for every 5-10,000 miles you drive above (or below) average, your rates will only fluctuate by 3-4% at most.
Your Coverage and Deductibles
Do yourself a favor: take the amount of money your deductible is now, double that number, and set it aside in a savings account for a rainy day. After you do that, talk to your insurance agent about raising your deductible so that you can lower your monthly premium. Odds are, you’ll be in store for some good savings.
Education in Houston, TX
Around 30% of locals in Houston have not yet qualified for their high school diploma, while an additional 20% have in fact made it through all four years of secondary education. However, for those who have gone above and beyond in order to earn a degree, you have lower car insurance rates to look forward to in the future!
Houston has over a quarter of a million students currently pursuing a higher education amongst dozens and dozens of different public and private universities. Rice University is the oldest in the state, but the University of Houston is the largest (it has three different campuses in Houston alone). The city also boasts a handful of prestigious medical and law schools, and a community college system which educates almost 35,000 students each year.
You shouldn’t permit a poor auto insurance company persuade you into buying an auto insurance policy that is not good for you. Sure, the actual quantity of data needed in order to guesstimate your individual risk profile might be overwhelming, but comparison internet websites such as this will help make things less complicated. Just simply key in a few details below, and just allow us to do the rest.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Compare rates right away and save hundreds on your future insurance payment.